What is Wedding Insurance?

Wedding insurance helps protect you from misfortunes that could happen on the day of your wedding. The policies are very inexpensive when you consider what it covers and how it can protect you. Purchasing wedding insurance is every couple's personal choice, though you should know what it covers to see if it may be something you need.

First, wedding insurance can cover the misfortune of bad weather. If you plan to have your wedding outdoors and it storms, obviously, your wedding has to be postponed and your policy should include rescheduling costs.

Secondly, if it is the day of your wedding and the minister or celebrant who was supposed to marry you does not show up. The policy helps you recover the expenses of rescheduling and finding a new officiate.

Thirdly, if the groom or bride becomes ill on the day of the wedding, obviously, it will have to be postponed and the policy covers this type of misfortune.

Fourthly, if the vendors you hired fail to show up on the big day, such as florists or the photographer, the wedding policy also includes this.

Of course, you can add many items to your wedding insurance policy and overall, it probably is a good plan to have. Weddings are planned so carefully, but no one can predict if the groom happens to break his ankle on the day of the wedding, or if the storm clouds move in.

Because weddings are so very expensive is the reason the policy exists at all, it helps to recover some of the loss in instances of mishap. Everyone hopes for a smooth wedding, but sometimes things can happen that are less than ideal and out of everyone's control.

One thing to keep in mind when purchasing wedding insurance, it does not cover a case where the groom or bride decides they don't want to get married (cold feet), since that obviously is an avoidable misfortune.

Finally, if you are planning a very large wedding with lots of vendors and many guests, a wedding insurance plan is probably something you should not forget to take out. It is only good until after you say your "I Do's" but well worth it if something prevents you from walking down the isle.